Deposit funds to your Checking and Share accounts (At deposit taking ATM locations).

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1 VERITY CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURES This Agreement is the contract that covers your and our rights and responsibilities concerning electronic fund transfer (EFT) services offered to you by Verity Credit Union ( Credit Union ). In this Agreement, the words you and Yours mean those who sign or transmit an application and any authorized users. The words we, us, and our mean the Verity Credit Union. The word account means any one or more deposit accounts you have with the Credit Union. By transmitting any online authorization, signing the Account Card or signing or using a Check Card, ATM Card, Telephone Teller or Home Banking service, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments. Electronic funds transfers ( EFTs ) are electronically initiated transfers of money through pre-authorized transfers and direct deposits, automated teller machines ( ATMs ), audio response ( Telephone Teller ) and Home Banking transactions, Point of Sale ( POS ) terminals and ATM/Check Card purchases involving your deposit accounts at the Credit Union. 1. Services. a. Automated Teller Machines (ATMs). You may use your ATM/Check Card and Personal Identification Number ( PIN ) in automated teller machines of the Credit Union, PLUS System Network, MoneyPass Network, CO-OP Networkand such other machines we may designate. At the present time, you may use your card to make the following transactions on your accounts: Deposit funds to your Checking and Share accounts (At deposit taking ATM locations). Withdraw cash from your Checking, and Share accounts. Transfer funds between your Checking, and Share accounts. Some of these services may not be available at all ATM terminals. b. Check Card/Point of Sale. You may use your Check Card to purchase goods and services any place your Card is honored by participating merchants, including Point of Sale (POS) terminals with MoneyPass Network, and PLUS Network, or such other terminals the Credit Union may designate. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may treat the transaction as an overdraft request pursuant to the overdraft protection plan or may terminate all services under the Agreement. c. Pre-authorized Electronic Funds Transfers and Direct Deposits. Pre-authorized electronic funds transfers may be made into or from your Credit Union accounts. These may include pre-authorized electronic funds transfers made to an account from a third party (such as Social Security or your employer) or from an account to a third party (such as a mortgage or insurance premium payment, excluding Telephone Teller or Home Banking bill payment transactions). If electronic funds transfers are made into or from your account, those payments may be affected by a change in your account status or if you transfer or close your account. d. Telephone Teller. If we approve the Telephone Teller audio response access service for your accounts, you may choose an access code or PIN. You must use your access code along with your account number to access your accounts. At the present time you may use the Telephone Teller service to: Obtain statement information, and tax information on your loan and deposit accounts. Transfer funds between your deposit accounts. Make account balance, share certificate, and loan inquiries. Page 1 - EFT AGREEMENT & DISCLOSURES

2 Transfer payments from your deposit accounts to a loan account of yours. Access your Ready Money line of credit account, or Home Equity Line of Credit account, and transfer funds to your checking account or authorize a check payable to you. Verify deposits and withdrawals. Verify if a particular check has cleared. Other transactions as offered and permitted in the future. e. Home Banking Service. (1) Account Access. Upon approval, you may use your personal computer to access your accounts through the Internet. You must use your access code along with your account number to access your accounts. The Home Banking service is accessible seven (7) days a week, 24 hours a day. You will need a personal computer and a web browser (such as Netscape Navigator or Microsoft Internet Explorer). The online address for the Home Banking Service is You are responsible for the installation, maintenance and operation of your computer. The Credit Union will not be responsible for any errors or failures involving any telephone service or your computer. (2) Types of Transactions. At the present time, you may use the Home Banking service to: Transfer funds between your Checking, Share, Ready Money, or Home Equity Loan. Transfer funds from Checking, Share or Money Market accounts to loan accounts at Verity Credit Union. Transfer funds to accounts of other members from any of your accounts. Review account balance, transaction history, direct deposit and tax information for any of your Checking or Share accounts. Review information on any loan account including payoff amounts, due dates, finance charges, interest rate, and balance information. Review your past statements. Request a withdrawal by check from any Checking, Share, Ready Money loan, or Home Equity loan account mailed to you. Make bill payment transfers to authorized creditors through the Bill Payer service. Communicate with the Credit Union using the electronic mail ( ) feature including stop payment requests and other transactions permitted by the Credit Union. Transactions involving your deposit accounts, including checking account stop payment requests, will be subject to the terms of your Membership and Account Agreement and transactions involving a line of credit account will be subject to your Loan Agreement and Disclosures, as applicable. f. Electronic Check Transactions. You authorize us to honor any electronic check conversion transaction and re-presented check fee debit transactions authorized by you ( electronic check transactions ). You agree that your authorization for an electronic check transaction occurs when you initiate such a transaction after receiving any notice regarding the merchant s right to process the purchase transaction Page 2 - EFT AGREEMENT & DISCLOSURES

3 or bill payment, including any written sign provided by the merchant at the time of your transaction. All terms governing electronic funds transfer services will apply to electronic check transactions, except the $50 and $500 limits of liability for unauthorized transactions in Section 4. Member Liability. You remain responsible for notifying us of any unauthorized electronic check transaction shown on your statement. g. Mobile Banking. Mobile Banking Service is a personal financial information management service that allows you to access account information, make payments to merchants who have previously consented to accept payments through our Home Banking Service and make such other financial transactions as provided for Home Banking Services. The terms and conditions for the Mobile Banking Services are set forth on a separate Mobile Banking Service Agreement. 2. Service Limitations. a. ATM Machines. (1) Cash Withdrawals. There is no limit on the number of withdrawals you may make at Credit Union ATMs and nonproprietary ATMs. You may withdraw up to $500 (if there are sufficient funds in your account) per day (for purposes of the daily limit, a day ends at midnight) at any authorized ATM, subject to limits placed on each individual ATM. (2) Transfers. You may transfer between your Share and Checking accounts up to the balance in your accounts at the time of the transfer. (3) Deposits. The servicing and processing schedule of automated teller machines may result in a delay between the time a deposit is made and when it will be available for withdrawal. Refer to the Credit Union's funds availability schedule for details. b. Check Card/POS Purchases You may make check card purchases at participating merchants and POS terminals. You may make up to 15 purchase transactions per day, for a total amount not to exceed $2, No purchase may exceed the available funds in your account. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, reduce an account below a required balance or otherwise require us to increase our required reserve on the account. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. c. Telephone Teller. Your accounts can be accessed under Telephone Teller via a touch-tone telephone only. Not all push button phones are touch-tone. Converters may be purchased for pulse and rotary dial phones. Telephone Teller service will be available for your convenience seven (7) days per week. This service may be interrupted for a short time each day for data processing. While there is no limit to the number of inquiries, transfers or withdrawal requests you may make in any one day, there are certain limitations on transfers from a Share or Money Market Account. d. Home Banking. The following limitations on Home Banking transactions may apply in using the services listed above: (1) Transfers. You may make funds transfers to other accounts of yours as often as you like. However, transfers from your Share or Money Market accounts will be limited to a total of six (6) in any one month. The Credit Union may charge a fee for excess transfers from these accounts, as disclosed in the Rate and Fee Schedule. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. Page 3 - EFT AGREEMENT & DISCLOSURES

4 (2) Account Information. The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for ATM deposit transactions and our Funds Availability Policy. (3) . The Credit Union may not immediately receive communications that you send and the Credit Union will not take action based on requests until the Credit Union actually receives your message and has a reasonable opportunity to act. If you need to contact the Credit Union immediately regarding an unauthorized transaction or stop payment request, you may call the Credit Union at the telephone number set forth in Section 4. e. Bill Payer. (1) Bill Payer Transactions. You authorize us to process Bill Payments from your designated checking account. You may use the Bill Payer service to initiate three (3) different types of payment transactions: Today transactions are payments you designate to be paid immediately. Today bill payments will be immediately deducted from your checking account following your Bill Payer session. Therefore, you must have sufficient funds available at the time of the bill payment request and you agree the payment may not be canceled for any reason after you transmit it. Future transactions are payments you designate to be paid at a future date up to three hundred sixty-four (364) days in advance of the Scheduled Initiation Date. Future transactions may be canceled or changed through the Bill Payer service up until 12:00 midnight before your Scheduled Initiation Date. Recurring transactions are payments you designate to reoccur on a specified regular basis (i.e., monthly). You may designate the start and end dates for payments. Recurring transactions will be deducted from your account on the Scheduled Initiation Date and will be paid by us on the next business day. Therefore, you must have sufficient funds available on the Scheduled Initiation Date. Recurring transactions may be canceled or changed through the Bill Payer service up until 12:00 midnight before your Scheduled Initiation Date. When you transmit a Bill Payer instruction to us, you authorize us to transfer funds to make the Bill Payer transaction from your designated account. We will process bill payment requests only to those payees the Credit Union has designated in its User Instructions and such payees as you authorize and for whom the Credit Union has the proper payee code number. The Credit Union will not process any Bill Payer transfer if we know the required transaction information is incomplete. In any event, the Credit Union will not be liable for any transaction that contains incorrect information that the Credit Union was not responsible for entering or knowing. If there are insufficient funds in your account to make the Bill Payer request, we may either refuse to make the payment or make the payment and transfer funds from any overdraft protection account you have established. If you have overdraft protection available and we process the payment, we will transfer the funds and charge a transfer fee. Also, the payment of the bill may be delayed by up to three (3) business days. The Credit Union reserves the right to refuse to process payment instructions that reasonably appear to the Credit Union to be fraudulent or erroneous. (2) Processing Payments. The amount of your requested bill payment will be deducted from your account on the Scheduled Initiation Date and will be processed by us within two (2) business days. Therefore, you must have sufficient funds available to cover your payment on the Scheduled Initiation Date. Bill payments are delivered to the payee either electronically, which may take up to two (2) business days from the Scheduled Initiation Date, or by check to those payees not set up to accept electronic payments, which may take up to five (5) business days from the Scheduled Initiation Date. It is your Page 4 - EFT AGREEMENT & DISCLOSURES

5 responsibility to schedule your bill payments in such a manner that your obligations will be paid on time. You should enter and transmit your bill payment instructions at least ten (10) business days before a bill is due. If you do not allow sufficient time, you assume full responsibility for any late payments or finance charges that may be imposed as a result of your failure to transmit a timely bill payment authorization. In no event will we automatically resubmit a payment for you after funds become available. (3) Canceling or Changing Bill Payments. Payments designated as Today transactions cannot be stopped, canceled or changed once your Bill Payer session has ended. You may cancel or stop payment on Future and Recurring bill payment instructions under certain circumstances by following the instructions provided. If you discover an error in or want to change a payment instruction (i.e., payment date or payment amount) for a bill payment that you have already scheduled for transmission through the Bill Payer service, you may electronically edit or cancel your payment request through the Bill Payer service. Your cancellation request must be entered and transmitted through the Bill Payer service before the date you have scheduled for payment. If your request is not entered in a timely manner, you will be responsible for the payment. (4) Stop Payments. If you wish to place an oral stop payment on a recurring bill payment transaction, not using the Bill Payer service, the Credit Union must receive your oral stop payment at least three (3) business days before the payment is scheduled to be made. You may call the Credit Union at (206) or toll free at 1 (800) to request a stop payment. If you call, the Credit Union may require you to confirm your stop payment request in writing within fourteen (14) days after the call. If these regular payments may vary in amount, the company you are going to pay will tell you, ten (10) days before each payment when it will be made and how much it will be. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. f. Mobile Banking. You are fully responsible for understanding how to use Mobile Banking Service before you actually do so, and you use Mobile Banking Service in accordance with any use or operational instructions posted on our Web site. You are also responsible for your use of your Wireless Device and the Mobile Banking Service software provided to you. The terms and conditions for the Mobile Banking Services are set forth on a separate Mobile Banking Service Agreement. 3. Conditions of Account Use. The use of your Account is subject to the following conditions: a. Ownership of Cards. Any Card or other device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The Card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your Card or Account to another person. b. Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund. c. Security of Personal Identification Number (PIN) or Access Code. The personal identification number (PIN) or access code ( access code ) that you select or that we mail to you is for your security purposes. The access code is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping of your access code. You agree not to disclose or otherwise make your access code available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access code, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately. 4. Member Liability. You are responsible for all transfers you authorize using your EFT services under this Agreement. If you permit other persons to use an EFT service, Card, PIN, or access code, you are Page 5 - EFT AGREEMENT & DISCLOSURES

6 responsible for any transactions they authorize or conduct on any of your accounts. Tell us at once if you believe anyone has used your Account, Card or access code and accessed your accounts without your authority or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For VISA Check Card transactions, if you notify us of your lost or stolen card within two (2) business days of discovery, you may not be liable for any losses provided you were not grossly negligent (for example keeping your PIN with your Card is gross negligence) or fraudulent in handling your Card and you promptly provide us with a written statement regarding your unauthorized Card claim, otherwise the following liability limits will apply. For all other EFT transactions except electronic check transactions, if you tell us of the unauthorized use of your account within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or EFT service, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized Ready Money or Home Equity Line of Credit transactions through an EFT service is $ Also, if your statement shows EFT transactions that you did not make including made by Card, access code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the full amount of the loss if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (206) or (800) , or write: Verity Credit Union PO Box Seattle, WA Business Days. Our business days are Monday through Friday. Holidays are not included. 6. Fees and Charges. a. Replacement Card Fees and Overdraft Transfer Fees. For Replacement Card Fees and Overdraft Transfer Fees, please refer to the current Rate and Fee Schedule. If you use an ATM that is not operated by us, the ATM operator or an ATM network utilized for such a transaction may charge you an ATM surcharge. The ATM surcharge will be debited from your account if you elect to complete the transaction. b. Non-Sufficient Funds (NSF) Fee. A fee will be charged for each Check Card transaction which, when posted, causes the account to be overdrawn. Please refer to the current Rate and Fee Schedule for the NSF fee. c. Foreign Transaction Fee. Purchases made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government-mandated rate in effect for the applicable central processing date. In addition, you will be charged a Foreign Transaction Fee of up to 1% of the transaction amount for any card transaction made in a foreign country. d. Other Fees. There may be other charges applicable to transactions as set forth on the Credit Union s Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your Loan Agreement. 7. Right to Receive Documentation Transfers. a. Periodic Statements. Transfers, withdrawals, and purchases transacted through any EFT service will be Page 6 - EFT AGREEMENT & DISCLOSURES

7 recorded on your periodic statement provided by mail or electronically if you have requested an electronic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. You may also elect to receive your periodic statements electronically. b. Terminal Receipt. You will receive a receipt at the time you make a transaction using an ATM, POS terminal or with a participating VISA merchant, except some electronic terminals will not provide receipts for transactions of $15 or less. c. Direct Deposits. If you have arranged to have a direct deposit made to your account at least once every sixty (60) days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling the phone numbers listed above or using Telephone Teller at (206) or (800) or by using Home Banking at 8. Account Information Disclosure. We will maintain the confidentiality and privacy of your account information in accordance with our privacy policy as stated at However, we will disclose information to third parties about your account or the transfers you make: a. As necessary to complete transfers; b. To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant; c. To comply with government agency or court orders; d. If you give us your express permission. 9. Credit Union Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. Our sole responsibility for an error in a transfer will be to correct the error and in no case will we be liable for any indirect, special incidental or consequential damages. We will not be liable for instance: a. If, through no fault of ours, you do not have enough money in your account to make the transfer or the transfer would go over the credit limit on your line of credit, or your account is inactive. b. If you used the wrong access code or you have not properly followed any applicable computer, Internet or Credit Union instructions for making transfer or bill payment transactions. c. If your Card has expired or is damaged and cannot be used or you used your access code, PIN, or Card in an incorrect manner. d. If the automated teller machine (ATM) where you are making the transfer does not have enough cash or was not working properly and you knew about the problem when you started the transaction. e. If your computer fails or malfunctions or the Telephone Teller or Home Banking services were not properly working and such problem should have been apparent when you attempted such transaction. f. If circumstances beyond our control (such as fire, flood, telecommunication outages or strikes, equipment or power failure) prevent making the transaction. g. If the funds in your account are subject to an administrative hold, legal process or other claim. h. If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer or bill payment, or through no fault of ours, a bill payment or funds transfer does not reach a particular payee due to changes in payee address, account number or otherwise; the time you Page 7 - EFT AGREEMENT & DISCLOSURES

8 allow for payment delivery was inaccurate; or the payee failed to process the payment correctly, or in a timely manner, and a fee, penalty or interest is assessed against you. i. If there are other exceptions as established by the Credit Union. j. If the error was caused by a system beyond the Credit Union s control, such as an ATM network, telecommunications system, or Internet service provider, any computer virus or problems related to software not provided by the Credit Union. k. The ATM or POS terminal may retain your card in certain instances, in which event you may contact the Credit Union about its replacement. 10. Termination of EFT Services. You agree that we may terminate this Agreement and your use of your EFT services and the use of your card, if you or any authorized user of your access code breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your access code or Card; or you or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination. 11. Notices. The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will provide you notice at least twenty-one (21) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations. 12. Billing Errors. In case of errors or questions about your electronic transfers, telephone us at the phone numbers or write us at the address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. a. Tell us your name and account number. b. Describe the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. c. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) calendar days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business days five (5) business days for Visa Check Card purchase transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members rights to privacy) relied upon to conclude that the error did not occur. Page 8 - EFT AGREEMENT & DISCLOSURES

9 13. ATM Safety Notice. The following information is a list of safety precautions regarding the use of Automated Teller Machine (ATM) and Night Deposit Facilities. a. Be aware of your surroundings, particularly at night. b. Consider having someone accompany you when the ATM or night deposit facility is used after dark. c. If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction. d. Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home. e. If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your ATM access device or deposit envelope, and leave. f. If you are followed after making a transaction, go to the nearest public area where people are present. g. Do not write your personal identification number or code on your ATM card. h. Report all crimes to law enforcement officials immediately. 14. Enforcement. You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or expense from your account without prior notice to you. This Agreement shall be governed by and construed under the laws of the State of Washington as applied to contracts entered into solely between residents of, and to be performed entirely in, such State. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to Washington law, to payment by the other party of its reasonable attorney s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provision be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and such modification shall not affect any other provision of this Agreement. Page 9 - EFT AGREEMENT & DISCLOSURES

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